As a landlord, I have been using this company for a number of years for my property and liability insurance requirements. Since the takeover by the Gallagher group, I've found that interactions with the company have become more challenging. It all depends who picks up the phone - you may have an excellent experience but on the other hand it may be exasperating. Suffice it to say, when I have had a claim, the process did go relatively smoothly.